CULLEN/FROST BANKERS, INC.
CFRAPI behind this page
CFR FY 2025 request
Playground key active
/api/financials?ticker=CFR&year=2025&quarter=4&full_year_mode=true
Pick an endpoint and run the request.Income Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 1,383,694 | 1,375,442 | +0.6% |
| Interest Income Securities Taxable | 488,257 | 396,224 | +23.2% |
| Interest Income Securities Tax Exempt | 239,259 | 218,177 | +9.7% |
| Interest Income Deposits With Financial Institutions | 308,751 | 397,414 | -22.3% |
| Interest Income Federal Funds Sold | 196 | 270 | -27.4% |
| Interest Income Securities Purchased Under Agreements To Resell | 590 | 3,110 | -81.0% |
| Interest And Dividend Income Operating | 2,420,747 | 2,390,637 | +1.3% |
Show Business Segments breakouts |
|||
| Banking [Member] | 2,412,807 | 2,382,675 | +1.3% |
| Frost Wealth Advisors [Member] | 7,940 | 7,962 | -0.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 352,523 | 262,482 | +34.3% |
| Interest Expense Deposits | 533,265 | 629,107 | -15.2% |
| Interest Expense Federal Funds Purchased | 1,079 | 1,556 | -30.7% |
| Interest Expense Securities Sold Under Agreements To Repurchase | 137,908 | 141,833 | -2.8% |
| Interest Expense Junior Subordinated Debentures | 7,689 | 8,872 | -13.3% |
| Interest Expense Subordinated Notes And Debentures | 4,657 | 4,657 | 0.0% |
| Interest Expense Operating | 684,598 | 786,025 | -12.9% |
Show Business Segments breakouts |
|||
| Banking [Member] | 671,866 | 772,075 | -13.0% |
| Frost Wealth Advisors [Member] | 386 | 421 | -8.3% |
| Non-Banks [Member] | 12,346 | 13,529 | -8.7% |
| Interest Income Expense Net | 1,736,149 | 1,604,612 | +8.2% |
Show Business Segments breakouts |
|||
| Banking [Member] | 1,740,941 | 1,610,600 | +8.1% |
| Frost Wealth Advisors [Member] | 7,554 | 7,541 | +0.2% |
| Non-Banks [Member] | -12,346 | -13,529 | +8.7% |
| Provision For Loan Lease And Other Losses | 44,202 | 64,985 | -32.0% |
Show Business Segments breakouts |
|||
| Banking [Member] | 44,202 | 64,985 | -32.0% |
| Interest Income Expense After Provision For Loan Loss | 1,691,947 | 1,539,627 | +9.9% |
Show Business Segments breakouts |
|||
| Banking [Member] | 1,696,739 | 1,545,615 | +9.8% |
| Frost Wealth Advisors [Member] | 7,554 | 7,541 | +0.2% |
| Non-Banks [Member] | -12,346 | -13,529 | +8.7% |
| Trustandinvestmentmanagementfees | 177,097 | 165,270 | +7.2% |
Show Business Segments breakouts |
|||
| Frost Wealth Advisors [Member] | 178,234 | 167,448 | +6.4% |
| Non-Banks [Member] | -1,137 | -2,178 | +47.8% |
| Revenue | 121,572 | 106,230 | +14.4% |
Show Business Segments breakouts |
|||
| Banking [Member] | 121,558 | 106,217 | +14.4% |
| Frost Wealth Advisors [Member] | 14 | 13 | +7.7% |
| Insurance Commissions And Fees | 65,502 | 61,269 | +6.9% |
Show Business Segments breakouts |
|||
| Banking [Member] | 65,502 | 61,269 | +6.9% |
| Interchange And Card Transaction Fees | 22,858 | 21,017 | +8.8% |
Show Business Segments breakouts |
|||
| Banking [Member] | 22,858 | 21,017 | +8.8% |
| Otherchargescommissionsandfees | 57,511 | 53,348 | +7.8% |
Show Business Segments breakouts |
|||
| Banking [Member] | 32,037 | 30,626 | +4.6% |
| Frost Wealth Advisors [Member] | 25,474 | 22,717 | +12.1% |
| Debt And Equity Securities Gain Loss | -850 | -96 | -785.4% |
Show Business Segments breakouts |
|||
| Banking [Member] | -850 | -96 | -785.4% |
| Noninterest Income Other Operating Income | 55,405 | 52,060 | +6.4% |
Show Business Segments breakouts |
|||
| Banking [Member] | 49,110 | 45,790 | +7.3% |
| Frost Wealth Advisors [Member] | 6,071 | 6,011 | +1.0% |
| Non-Banks [Member] | 224 | 259 | -13.5% |
| Noninterest Income | 499,095 | 459,098 | +8.7% |
Show Business Segments breakouts |
|||
| Banking [Member] | 290,215 | 264,823 | +9.6% |
| Frost Wealth Advisors [Member] | 209,793 | 196,189 | +6.9% |
| Non-Banks [Member] | -913 | -1,914 | +52.3% |
| Labor And Related Expense | 674,647 | 621,394 | +8.6% |
Show Business Segments breakouts |
|||
| Banking [Member] | 593,755 | 544,843 | +9.0% |
| Frost Wealth Advisors [Member] | 79,309 | 74,928 | +5.8% |
| Non-Banks [Member] | 1,583 | 1,623 | -2.5% |
| Employee Benefits And Share Based Compensation | 146,101 | 122,446 | +19.3% |
Show Business Segments breakouts |
|||
| Banking [Member] | 131,159 | 109,431 | +19.9% |
| Frost Wealth Advisors [Member] | 14,842 | 12,911 | +15.0% |
| Non-Banks [Member] | 100 | 104 | -3.8% |
| Occupancy Net | 136,940 | 128,751 | +6.4% |
Show Business Segments breakouts |
|||
| Banking [Member] | 122,458 | 115,136 | +6.4% |
| Frost Wealth Advisors [Member] | 14,482 | 13,615 | +6.4% |
| Equipment Expense | 165,744 | 148,487 | +11.6% |
Show Business Segments breakouts |
|||
| Banking [Member] | 159,341 | 142,517 | +11.8% |
| Frost Wealth Advisors [Member] | 6,203 | 5,764 | +7.6% |
| Non-Banks [Member] | 200 | 206 | -2.9% |
| Federal Deposit Insurance Corporation Premium Expense | 18,752 | 37,269 | -49.7% |
Show Business Segments breakouts |
|||
| Banking [Member] | 18,720 | 37,203 | -49.7% |
| Frost Wealth Advisors [Member] | 32 | 66 | -51.5% |
| Other Noninterest Expense | 277,156 | 244,411 | +13.4% |
Show Business Segments breakouts |
|||
| Banking [Member] | 215,405 | 189,700 | +13.6% |
| Frost Wealth Advisors [Member] | 56,999 | 49,790 | +14.5% |
| Non-Banks [Member] | 4,752 | 4,921 | -3.4% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 6,042 | 7,304 | -17.3% |
| Noninterest Expense | 1,419,340 | 1,302,758 | +8.9% |
Show Business Segments breakouts |
|||
| Banking [Member] | 1,240,838 | 1,138,830 | +9.0% |
| Frost Wealth Advisors [Member] | 171,867 | 157,074 | +9.4% |
| Non-Banks [Member] | 6,635 | 6,854 | -3.2% |
| Income Before Taxes | 771,702 | 695,967 | +10.9% |
Show Business Segments breakouts |
|||
| Banking [Member] | 746,116 | 671,608 | +11.1% |
| Frost Wealth Advisors [Member] | 45,480 | 46,656 | -2.5% |
| Non-Banks [Member] | -19,894 | -22,297 | +10.8% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 332,453 | 239,922 | +38.6% |
| Income Tax Expense (Benefit) | 123,145 | 113,425 | +8.6% |
Show Business Segments breakouts |
|||
| Banking [Member] | 119,877 | 110,524 | +8.5% |
| Frost Wealth Advisors [Member] | 9,551 | 9,798 | -2.5% |
| Non-Banks [Member] | -6,283 | -6,897 | +8.9% |
Show Consolidated Entities breakouts |
|||
| Parent Company | -6,281 | -6,896 | +8.9% |
| Net Income | 648,557 | 582,542 | +11.3% |
Show Business Segments breakouts |
|||
| Banking [Member] | 626,239 | 561,084 | +11.6% |
| Frost Wealth Advisors [Member] | 35,929 | 36,858 | -2.5% |
| Non-Banks [Member] | -13,611 | -15,400 | +11.6% |
Show Equity Components breakouts |
|||
| Retained Earnings | 648,557 | 582,542 | +11.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 648,557 | 582,542 | +11.3% |
| Preferred Stock Dividends And Other Adjustments | 6,675 | 6,675 | 0.0% |
Show Business Segments breakouts |
|||
| Non-Banks [Member] | 6,675 | 6,675 | 0.0% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 6,675 | 6,675 | 0.0% |
| Net Income Loss Available To Common Stockholders Basic | 641,882 | 575,867 | +11.5% |
Show Business Segments breakouts |
|||
| Banking [Member] | 626,239 | 561,084 | +11.6% |
| Frost Wealth Advisors [Member] | 35,929 | 36,858 | -2.5% |
| Non-Banks [Member] | -20,286 | -22,075 | +8.1% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 641,882 | 575,867 | +11.5% |
| EPS (Basic) | 9.92 | 8.88 | +11.7% |
| EPS (Diluted) | 9.92 | 8.87 | +11.8% |
| Revenue | 2,235,244 | 2,063,710 | +8.3% |
Show Business Segments breakouts |
|||
| Banking [Member] | 2,031,156 | 1,875,423 | +8.3% |
| Frost Wealth Advisors [Member] | 217,347 | 203,730 | +6.7% |
| Non-Banks [Member] | -13,259 | -15,443 | +14.1% |
| Operating Expenses (FY) | — | — | — |
Show Consolidated Entities breakouts |
|||
| Parent Company | 20,070 | 22,560 | -11.0% |
| Comprehensive Income | 1,057,610 | 449,757 | +135.2% |
| Wtd Avg Shares (Basic) | 64,054,228 | 64,120,455 | -0.1% |
| Wtd Avg Shares (Diluted) | 64,099,238 | 64,262,646 | -0.3% |
| Interest Expense (FY) | — | — | — |
Show Consolidated Entities breakouts |
|||
| Parent Company | 12,346 | 13,529 | -8.7% |
| Marketing And Advertising Expense | 56,865 | 51,403 | +10.6% |
| Professional Fees | 58,741 | 56,385 | +4.2% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 1,313,225 | 1,245,377 | +5.4% |
| Total Assets | 53,041,424 | 52,520,259 | +1.0% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 4,850,866 | 4,164,633 | +16.5% |
| Operating Lease Right-of-Use Assets | 259,177 | 270,282 | -4.1% |
| Other Assets | |||
| Cash And Due From Banks | 681,325 | 722,906 | -5.8% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 301,154 | 334,512 | -10.0% |
| Interest Bearing Deposits In Banks | 8,183,080 | 9,495,777 | -13.8% |
| Securities Purchased Under Agreements To Resell | 9,650 | 9,650 | 0.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 8,874,055 | 10,234,258 | -13.3% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 8,874,055 | 10,234,258 | -13.3% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 8,874,055 | 10,234,258 | -13.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 301,154 | 334,512 | -10.0% |
| Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss | 3,431,179 | 3,533,775 | -2.9% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 3,431,179 | 3,533,775 | -2.9% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 3,295,431 | 3,360,546 | -1.9% |
Show Financial Instrument breakouts |
|||
| Other Investments | 1,500 | 1,500 | 0.0% |
| Residential Mortgage Backed Securities | 1,113,474 | 1,193,840 | -6.7% |
| US States And Political Subdivisions | 2,316,205 | 2,338,435 | -1.0% |
| Available For Sale Securities Debt Securities | 15,970,596 | 15,043,625 | +6.2% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level1 · US Treasury Securities | 2,456,517 | 3,442,320 | -28.6% |
| Fair Value Inputs Level2 · Other Investments | 42,428 | 43,179 | -1.7% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 8,121,794 | 6,997,902 | +16.1% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 5,349,857 | 4,560,224 | +17.3% |
Show Financial Instrument breakouts |
|||
| Other Investments | 42,428 | 43,179 | -1.7% |
| Residential Mortgage Backed Securities | 8,121,794 | 6,997,902 | +16.1% |
| US States And Political Subdivisions | 5,349,857 | 4,560,224 | +17.3% |
| US Treasury Securities | 2,456,517 | 3,442,320 | -28.6% |
Show Fair Value By Asset Class breakouts |
|||
| Other Investments | 42,428 | 43,179 | -1.7% |
| Residential Mortgage Backed Securities | 8,121,794 | 6,997,902 | +16.1% |
| US States And Political Subdivisions | 5,349,857 | 4,560,224 | +17.3% |
| US Treasury Securities | 2,456,517 | 3,442,320 | -28.6% |
| Trading Securities | 37,604 | 33,910 | +10.9% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level1 · US Treasury Securities | 36,650 | 33,910 | +8.1% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 954 | — | — |
Show Financial Instrument breakouts |
|||
| US States And Political Subdivisions | 954 | — | — |
| US Treasury Securities | 36,650 | 33,910 | +8.1% |
Show Fair Value By Asset Class breakouts |
|||
| US States And Political Subdivisions | 954 | — | — |
| US Treasury Securities | 36,650 | 33,910 | +8.1% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 21,891,812 | 20,754,813 | +5.5% |
Show Product Lines breakouts |
|||
| Loans Individually Evaluated for Impairment [Member] | 66,907 | 76,287 | -12.3% |
| Loans Individually Evaluated for Impairment [Member] · Commercial and Industrial Total Energy Loans [Member] | 3,023 | 4,078 | -25.9% |
| Loans Individually Evaluated for Impairment [Member] · Commercial Portfolio Segment | 48,456 | 45,009 | +7.7% |
| Loans Individually Evaluated for Impairment [Member] · Commercial Real Estate Non-Owner Occupied | 466 | 1,865 | -75.0% |
| Loans Individually Evaluated for Impairment [Member] · Commercial Real Estate Owner Occupied | 7,069 | 16,932 | -58.3% |
| Loans Individually Evaluated for Impairment [Member] · Construction Loans | 1,672 | 2,012 | -16.9% |
| Loans Individually Evaluated for Impairment [Member] · Consumer Loan | 81 | 352 | -77.0% |
| Loans Individually Evaluated for Impairment [Member] · Total consumer real estate loans [Member] | 6,140 | 6,039 | +1.7% |
Show Consumer Loans Year of Origination [Axis] breakouts |
|||
| 2021 · Consumer Loan | 1,776 | 3,028 | -41.3% |
| 2021 · Consumer Loan | 28 | 22 | +27.3% |
| 2021 · Consumer Loan | 1,748 | 3,006 | -41.8% |
| 2021 · Consumer Loan | 28 | 22 | +27.3% |
| 2021 · Total consumer real estate loans [Member] | 218,191 | 250,355 | -12.8% |
| 2021 · Total consumer real estate loans [Member] | 1,620 | 965 | +67.9% |
| 2021 · Total consumer real estate loans [Member] | 216,126 | 248,225 | -12.9% |
| 2021 · Total consumer real estate loans [Member] | 2,065 | 2,130 | -3.1% |
| 2021 · Total consumer real estate loans [Member] | 445 | 1,165 | -61.8% |
| 2022 · Consumer Loan | 4,846 | 9,525 | -49.1% |
| 2022 · Consumer Loan | 48 | 249 | -80.7% |
| 2022 · Consumer Loan | 4,798 | 9,276 | -48.3% |
| 2022 · Consumer Loan | 48 | 249 | -80.7% |
| 2022 · Total consumer real estate loans [Member] | 337,856 | 390,213 | -13.4% |
| 2022 · Total consumer real estate loans [Member] | 1,339 | 1,897 | -29.4% |
| 2022 · Total consumer real estate loans [Member] | 335,325 | 387,344 | -13.4% |
| 2022 · Total consumer real estate loans [Member] | 2,531 | 2,869 | -11.8% |
| 2022 · Total consumer real estate loans [Member] | 1,192 | 972 | +22.6% |
| 2023 · Consumer Loan | 9,828 | 28,477 | -65.5% |
| 2023 · Consumer Loan | 262 | 772 | -66.1% |
| 2023 · Consumer Loan | 9,561 | 27,705 | -65.5% |
| 2023 · Consumer Loan | 267 | 772 | -65.4% |
| 2023 · Consumer Loan | 5 | — | — |
| 2023 · Total consumer real estate loans [Member] | 462,958 | 546,133 | -15.2% |
| 2023 · Total consumer real estate loans [Member] | 4,780 | 1,030 | +364.1% |
| 2023 · Total consumer real estate loans [Member] | 457,158 | 544,811 | -16.1% |
| 2023 · Total consumer real estate loans [Member] | 5,800 | 1,322 | +338.7% |
| 2023 · Total consumer real estate loans [Member] | 1,020 | 292 | +249.3% |
| 2024 · Consumer Loan | 18,038 | 58,061 | -68.9% |
| 2024 · Consumer Loan | 96 | 3,378 | -97.2% |
| 2024 · Consumer Loan | 17,907 | 54,440 | -67.1% |
| 2024 · Consumer Loan | 131 | 3,621 | -96.4% |
| 2024 · Consumer Loan | 35 | 243 | -85.6% |
| 2024 · Total consumer real estate loans [Member] | 632,473 | 699,828 | -9.6% |
| 2024 · Total consumer real estate loans [Member] | 2,895 | 632 | +358.1% |
| 2024 · Total consumer real estate loans [Member] | 629,299 | 699,196 | -10.0% |
| 2024 · Total consumer real estate loans [Member] | 3,174 | 632 | +402.2% |
| 2024 · Total consumer real estate loans [Member] | 279 | — | — |
| 2025 · Consumer Loan | 2,819 | — | — |
| 2025 · Consumer Loan | 219 | — | — |
| 2025 · Consumer Loan | 3,038 | — | — |
| 2025 · Consumer Loan | 65,706 | — | — |
| 2025 · Consumer Loan | 68,744 | — | — |
| 2025 · Total consumer real estate loans [Member] | 194 | — | — |
| 2025 · Total consumer real estate loans [Member] | 194 | — | — |
| 2025 · Total consumer real estate loans [Member] | 743,365 | — | — |
| 2025 · Total consumer real estate loans [Member] | 743,559 | — | — |
| Prior Years · Consumer Loan | 1,875 | 1,150 | +63.0% |
| Prior Years · Consumer Loan | 32 | 23 | +39.1% |
| Prior Years · Consumer Loan | 1,843 | 1,124 | +64.0% |
| Prior Years · Consumer Loan | 32 | 26 | +23.1% |
| Prior Years · Total consumer real estate loans [Member] | 255,170 | 157,716 | +61.8% |
| Prior Years · Total consumer real estate loans [Member] | 3,170 | 1,944 | +63.1% |
| Prior Years · Total consumer real estate loans [Member] | 249,090 | 152,517 | +63.3% |
| Prior Years · Total consumer real estate loans [Member] | 6,080 | 5,199 | +16.9% |
| Prior Years · Total consumer real estate loans [Member] | 2,910 | 3,255 | -10.6% |
Show Credit Facility breakouts |
|||
| Revolving Credit Facility · Consumer Loan | 332,769 | 317,167 | +4.9% |
| Revolving Credit Facility · Consumer Loan | 1,191 | 1,734 | -31.3% |
| Revolving Credit Facility · Consumer Loan | 331,438 | 315,038 | +5.2% |
| Revolving Credit Facility · Consumer Loan | 1,331 | 2,129 | -37.5% |
| Revolving Credit Facility · Consumer Loan | 140 | 395 | -64.6% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 1,055,554 | 899,090 | +17.4% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 12,018 | 9,790 | +22.8% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 1,040,863 | 886,848 | +17.4% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 14,691 | 12,242 | +20.0% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 2,673 | 2,452 | +9.0% |
| Revolving Loans Converted to Term · Consumer Loan | 22,809 | 25,094 | -9.1% |
| Revolving Loans Converted to Term · Consumer Loan | 548 | 449 | +22.0% |
| Revolving Loans Converted to Term · Consumer Loan | 21,883 | 24,464 | -10.6% |
| Revolving Loans Converted to Term · Consumer Loan | 926 | 630 | +47.0% |
| Revolving Loans Converted to Term · Consumer Loan | 378 | 181 | +108.8% |
| Revolving Loans Converted to Term · Total consumer real estate loans [Member] | 12,907 | 12,224 | +5.6% |
| Revolving Loans Converted to Term · Total consumer real estate loans [Member] | 265 | 112 | +136.6% |
| Revolving Loans Converted to Term · Total consumer real estate loans [Member] | 8,977 | 8,433 | +6.5% |
| Revolving Loans Converted to Term · Total consumer real estate loans [Member] | 3,930 | 3,791 | +3.7% |
| Revolving Loans Converted to Term · Total consumer real estate loans [Member] | 3,665 | 3,679 | -0.4% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
|||
| Commercial and Industrial Total Energy Loans [Member] | 1,094,669 | 1,128,895 | -3.0% |
| Commercial and Industrial Total Energy Loans [Member] · Financial Asset Not Past Due | 1,072,166 | — | — |
| Commercial and Industrial Total Energy Loans [Member] · Financial Asset Past Due | 22,503 | — | — |
| Commercial and Industrial Total Energy Loans [Member] · Financing Receivables Equal To Greater Than90 Days Past Due | 3,023 | — | — |
| Commercial and Industrial Total Energy Loans [Member] · Financing Receivables, 30 to 89 Days Past Due [Member] | 19,480 | — | — |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Eleven [Member] | 5,262 | 2,262 | +132.6% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Nine [Member] | 35,392 | 11,183 | +216.5% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade One To Eight [Member] | 1,010,179 | 1,111,319 | -9.1% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Ten [Member] | 40,813 | 52 | +78386.5% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Thirteen [Member] | 700 | 2,700 | -74.1% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Twelve [Member] | 2,323 | 1,379 | +68.5% |
| Commercial Portfolio Segment | 6,306,980 | 6,109,532 | +3.2% |
| Commercial Portfolio Segment · Charge-offs | 1,108 | — | — |
| Commercial Portfolio Segment · Financial Asset Not Past Due | 6,253,569 | — | — |
| Commercial Portfolio Segment · Financial Asset Past Due | 53,411 | — | — |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 3,286 | 1,693 | +94.1% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 20,635 | — | — |
| Commercial Portfolio Segment · Financing Receivables, 30 to 89 Days Past Due [Member] | 32,776 | — | — |
| Commercial Portfolio Segment · Payment Deferral | 2,186 | 6,126 | -64.3% |
| Commercial Portfolio Segment · Risk Grade Eleven [Member] | 114,461 | 158,390 | -27.7% |
| Commercial Portfolio Segment · Risk Grade Nine [Member] | 384,532 | 262,446 | +46.5% |
| Commercial Portfolio Segment · Risk Grade One To Eight [Member] | 5,663,146 | 5,553,757 | +2.0% |
| Commercial Portfolio Segment · Risk Grade Ten [Member] | 94,182 | 88,935 | +5.9% |
| Commercial Portfolio Segment · Risk Grade Thirteen [Member] | 16,618 | 13,265 | +25.3% |
| Commercial Portfolio Segment · Risk Grade Twelve [Member] | 34,041 | 32,739 | +4.0% |
| Commercial Real Estate Non-Owner Occupied | 3,773,028 | 3,543,019 | +6.5% |
| Commercial Real Estate Non-Owner Occupied · Financial Asset Not Past Due | 3,716,968 | — | — |
| Commercial Real Estate Non-Owner Occupied · Financial Asset Past Due | 56,060 | — | — |
| Commercial Real Estate Non-Owner Occupied · Financing Receivables Equal To Greater Than90 Days Past Due | 6,755 | — | — |
| Commercial Real Estate Non-Owner Occupied · Financing Receivables, 30 to 89 Days Past Due [Member] | 49,305 | — | — |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Eleven [Member] | 59,074 | 41,261 | +43.2% |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Nine [Member] | 75,560 | 89,956 | -16.0% |
| Commercial Real Estate Non-Owner Occupied · Risk Grade One To Eight [Member] | 3,494,323 | 3,337,485 | +4.7% |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Ten [Member] | 143,606 | 72,172 | +99.0% |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Twelve [Member] | 465 | 2,145 | -78.3% |
| Commercial Real Estate Owner Occupied | 3,987,913 | 3,622,201 | +10.1% |
| Commercial Real Estate Owner Occupied · Financial Asset Not Past Due | 3,967,097 | — | — |
| Commercial Real Estate Owner Occupied · Financial Asset Past Due | 20,816 | — | — |
| Commercial Real Estate Owner Occupied · Financing Receivables Equal To Greater Than90 Days Past Due | 3,465 | — | — |
| Commercial Real Estate Owner Occupied · Financing Receivables, 30 to 89 Days Past Due [Member] | 17,351 | — | — |
| Commercial Real Estate Owner Occupied · Risk Grade Eleven [Member] | 145,078 | 151,747 | -4.4% |
| Commercial Real Estate Owner Occupied · Risk Grade Nine [Member] | 163,132 | 113,860 | +43.3% |
| Commercial Real Estate Owner Occupied · Risk Grade One To Eight [Member] | 3,608,005 | 3,238,091 | +11.4% |
| Commercial Real Estate Owner Occupied · Risk Grade Ten [Member] | 64,117 | 100,861 | -36.4% |
| Commercial Real Estate Owner Occupied · Risk Grade Thirteen [Member] | 722 | 122 | +491.8% |
| Commercial Real Estate Owner Occupied · Risk Grade Twelve [Member] | 6,859 | 17,520 | -60.9% |
| Commercial Real Estate Portfolio Segment | 10,310,810 | 9,968,523 | +3.4% |
| Construction Loans | 2,549,869 | 2,803,303 | -9.0% |
| Construction Loans · Financial Asset Not Past Due | 2,538,696 | — | — |
| Construction Loans · Financial Asset Past Due | 11,173 | — | — |
| Construction Loans · Financing Receivables Equal To Greater Than90 Days Past Due | 3,218 | — | — |
| Construction Loans · Financing Receivables, 30 to 89 Days Past Due [Member] | 7,955 | — | — |
| Construction Loans · Risk Grade Eleven [Member] | 12,686 | 1,170 | +984.3% |
| Construction Loans · Risk Grade Nine [Member] | 127,496 | 179,609 | -29.0% |
| Construction Loans · Risk Grade One To Eight [Member] | 2,319,413 | 2,387,930 | -2.9% |
| Construction Loans · Risk Grade Ten [Member] | 88,400 | 232,461 | -62.0% |
| Construction Loans · Risk Grade Thirteen [Member] | 513 | 503 | +2.0% |
| Construction Loans · Risk Grade Twelve [Member] | 1,361 | 1,630 | -16.5% |
| Construction · Financing Receivables Equal To Greater Than90 Days Past Due | 1,672 | 2,012 | -16.9% |
| Construction · Payment Deferral | 1,672 | 2,012 | -16.9% |
| Consumer Loan | 460,685 | 444,474 | +3.6% |
| Consumer Loan · Financial Asset Not Past Due | 454,884 | 436,959 | +4.1% |
| Consumer Loan · Financial Asset Past Due | 5,801 | 7,515 | -22.8% |
| Consumer Loan · Financing Receivables Equal To Greater Than90 Days Past Due | 777 | 822 | -5.5% |
| Consumer Loan · Financing Receivables, 30 to 89 Days Past Due [Member] | 5,024 | 6,693 | -24.9% |
| Energy Other [Member] | 74,650 | 21,612 | +245.4% |
| Energy Production [Member] | 767,724 | 903,654 | -15.0% |
| Energy Service | 252,295 | 203,629 | +23.9% |
| Home Equity | 1,068,393 | 911,239 | +17.2% |
| Home Equity Loan | 1,035,971 | 914,738 | +13.3% |
| Home Improvement Loans [Member] | 874,148 | 852,536 | +2.5% |
| Other consumer real estate loans [Member] | 145,331 | 165,420 | -12.1% |
| Real Estate Loan | 14,029,478 | 13,071,912 | +7.3% |
| Residential Mortgage | 594,825 | 259,456 | +129.3% |
| Total consumer real estate loans [Member] | 3,718,668 | 3,103,389 | +19.8% |
| Total consumer real estate loans [Member] · Financial Asset Not Past Due | 3,680,203 | 3,074,346 | +19.7% |
| Total consumer real estate loans [Member] · Financial Asset Past Due | 38,465 | 29,043 | +32.4% |
| Total consumer real estate loans [Member] · Financing Receivables Equal To Greater Than90 Days Past Due | 12,184 | 12,028 | +1.3% |
| Total consumer real estate loans [Member] · Financing Receivables, 30 to 89 Days Past Due [Member] | 26,281 | 17,015 | +54.5% |
Show Financing Receivables Period Past Due breakouts |
|||
| Financial Asset Not Past Due | 21,683,583 | — | — |
| Financial Asset Past Due | 208,229 | — | — |
| Financing Receivables Equal To Greater Than90 Days Past Due | 50,057 | — | — |
| Financing Receivables Equal To Greater Than90 Days Past Due · Payment Deferral | 4,958 | 3,705 | +33.8% |
| Financing Receivables, 30 to 89 Days Past Due [Member] | 158,172 | — | — |
Show Loan Restructuring Modification breakouts |
|||
| Payment Deferral | 3,858 | 8,138 | -52.6% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -281,495 | -270,151 | -4.2% |
Show Financial Instrument breakouts |
|||
| Modeled Expected Credit Losses [Member] | -110,052 | -97,926 | -12.4% |
| Modeled Expected Credit Losses [Member] · Commercial and Industrial Total Energy Loans [Member] | -7,215 | -3,969 | -81.8% |
| Modeled Expected Credit Losses [Member] · Commercial Portfolio Segment | -56,114 | -51,669 | -8.6% |
| Modeled Expected Credit Losses [Member] · Commercial Real Estate Portfolio Segment | -17,018 | -17,549 | +3.0% |
| Modeled Expected Credit Losses [Member] · Consumer Loan | -5,315 | -7,019 | +24.3% |
| Modeled Expected Credit Losses [Member] · Total consumer real estate loans [Member] | -24,390 | -17,720 | -37.6% |
| Q-factor adjustments [Member] | -152,171 | -154,704 | +1.6% |
| Q-factor adjustments [Member] · Commercial and Industrial Total Energy Loans [Member] | -3,648 | -3,323 | -9.8% |
| Q-factor adjustments [Member] · Commercial Portfolio Segment | -25,706 | -22,635 | -13.6% |
| Q-factor adjustments [Member] · Commercial Real Estate Portfolio Segment | -116,857 | -125,031 | +6.5% |
| Q-factor adjustments [Member] · Consumer Loan | -5,350 | -3,095 | -72.9% |
| Q-factor adjustments [Member] · Total consumer real estate loans [Member] | -610 | -620 | +1.6% |
| Specific Valuation Allowances [Member] | -19,272 | -17,521 | -10.0% |
| Specific Valuation Allowances [Member] · Commercial and Industrial Total Energy Loans [Member] | -700 | -2,700 | +74.1% |
| Specific Valuation Allowances [Member] · Commercial Portfolio Segment | -16,619 | -13,265 | -25.3% |
| Specific Valuation Allowances [Member] · Commercial Real Estate Owner Occupied | -722 | -122 | -491.8% |
| Specific Valuation Allowances [Member] · Commercial Real Estate Portfolio Segment | -1,235 | -625 | -97.6% |
| Specific Valuation Allowances [Member] · Construction Loans | -513 | -503 | -2.0% |
| Specific Valuation Allowances [Member] · Consumer Loan | -81 | -165 | +50.9% |
| Specific Valuation Allowances [Member] · Total consumer real estate loans [Member] | -637 | -766 | +16.8% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
|||
| Commercial and Industrial Total Energy Loans [Member] | -11,563 | -9,992 | -15.7% |
| Commercial Portfolio Segment | -98,439 | -87,569 | -12.4% |
| Commercial Real Estate Portfolio Segment | -135,110 | -143,205 | +5.7% |
| Consumer Loan | -10,746 | -10,279 | -4.5% |
| Loans Receivable | -281,495 | -270,151 | -4.2% |
| Total consumer real estate loans [Member] | -25,637 | -19,106 | -34.2% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 21,610,317 | 20,484,662 | +5.5% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level3 · Carrying Reported Amount Fair Value Disclosure | 21,610,317 | 20,484,662 | +5.5% |
| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 21,559,335 | 20,066,512 | +7.4% |
| Other Assets | 1,804,448 | 1,944,652 | -7.2% |
| Non-Current Liabilities | |||
| Total Liabilities | 48,468,388 | 48,621,671 | -0.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 277,830 | 266,045 | +4.4% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities | 14,143,815 | 14,441,820 | -2.1% |
Show Balance Sheet Location breakouts |
|||
| Public Funds [Member] | 662,354 | 759,819 | -12.8% |
| Interest Bearing Deposit Liabilities | 28,774,049 | 28,280,928 | +1.7% |
Show Balance Sheet Location breakouts |
|||
| Public Funds [Member] | 768,726 | 625,104 | +23.0% |
| Deposits | 42,917,864 | 42,722,748 | +0.5% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 42,917,864 | 42,722,748 | +0.5% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 42,908,091 | 42,712,907 | +0.5% |
| Federal Funds Purchased | 18,775 | 21,975 | -14.6% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 18,775 | 21,975 | -14.6% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 18,775 | 21,975 | -14.6% |
| Securities Sold Under Agreements To Repurchase | 4,525,855 | 4,342,941 | +4.2% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 4,525,855 | 4,342,941 | +4.2% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 4,525,855 | 4,342,941 | +4.2% |
| Junior Subordinated Notes | 123,242 | 123,184 | 0.0% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 123,242 | 123,184 | 0.0% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 123,712 | 123,712 | 0.0% |
Show Consolidated Entities breakouts |
|||
| Cullen Frost Capital Trust II [Member] · Junior Subordinated Debt | 123.7 | 123.7 | 0.0% |
| Parent Company | 123,242 | 123,184 | 0.0% |
| Subordinated Debt | 99,804 | 99,648 | +0.2% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 99,804 | 99,648 | +0.2% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 100,053 | 98,453 | +1.6% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 99,804 | 99,648 | +0.2% |
| Other Liabilities | 782,848 | 1,311,175 | -40.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 54,784 | 43,213 | +26.8% |
| Stockholders' Equity | |||
| Preferred Stock Value | 145,452 | 145,452 | 0.0% |
| Common Stock | 644 | 644 | 0.0% |
| Additional Paid In Capital Common Stock | 1,100,327 | 1,075,572 | +2.3% |
| Retained Earnings | 4,309,171 | 3,951,482 | +9.1% |
| Accumulated Other Comprehensive Income | -842,951 | -1,252,004 | +32.7% |
Show Other Comprehensive Income Location breakouts |
|||
| Accumulated Defined Benefit Plans Adjustment | -18,882 | -21,176 | +10.8% |
| Accumulated Other Comprehensive Income | -842,951 | -1,252,004 | +32.7% |
| Availableforsale Securities | -824,069 | -1,230,828 | +33.0% |
| Treasury Stock Value | -139,607 | -22,558 | -518.9% |
| Total Stockholders' Equity | 4,573,036 | 3,898,588 | +17.3% |
Show Equity Components breakouts |
|||
| Accumulated Other Comprehensive Income | -842,951 | -1,252,004 | +32.7% |
| Additional Paid In Capital | 1,100,327 | 1,075,572 | +2.3% |
| Common Stock | 644 | 644 | 0.0% |
| Preferred Stock | 145,452 | 145,452 | 0.0% |
| Retained Earnings | 4,309,171 | 3,951,482 | +9.1% |
| Treasury Stock Common | -139,607 | -22,558 | -518.9% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 4,573,036 | 3,898,588 | +17.3% |
| Total Liabilities & Equity | 53,041,424 | 52,520,259 | +1.0% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 4,850,866 | 4,164,633 | +16.5% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Deferred Income Taxes | 5,372 | -11,600 | +146.3% |
| Accretion Of Loan Discount | -26,624 | -23,951 | -11.2% |
| Accretion Amortization Of Discounts And Premiums Investments | 39,600 | 45,213 | -12.4% |
| Depreciation And Amortization | 87,785 | 82,817 | +6.0% |
| Gain Loss On Sale Of Other Assets | -3,031 | -141 | -2049.6% |
| Stock-Based Compensation | 24,755 | 19,763 | +25.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 1,020 | 934 | +9.2% |
| Employee Service Share Based Compensation Tax Benefit From Exercise Of Stock Options | 2,265 | 3,795 | -40.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 393 | 463 | -15.1% |
| Other Noncash Income | -3,940 | -3,745 | -5.2% |
| Increase Decrease In Trading Securities | -3,694 | -3,644 | -1.4% |
| Netchangeinoperatingleaserightofuseasset | 24,832 | 25,264 | -1.7% |
| Increase Decrease In Other Operating Assets | -7,669 | 259,142 | -103.0% |
| Increase Decrease In Other Operating Liabilities | -559,281 | -51,004 | -996.5% |
| Net Cash from Operations | 273,979 | 989,532 | -72.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 351,324 | 252,537 | +39.1% |
| Investing Activities | |||
| Payments To Acquire Held To Maturity Securities | -1,500 | — | — |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 100,314 | 81,750 | +22.7% |
| Purchases of Investments | -21,495,449 | -17,899,779 | -20.1% |
| Proceeds From Sale Of Available For Sale Securities Debt | 45,372 | 123,254 | -63.2% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 21,021,849 | 19,600,708 | +7.3% |
| Proceeds From Sale Of Loans Receivable | 14,119 | 3,323 | +324.9% |
| Payments For Proceeds From Loans And Leases | -1,158,427 | -1,966,111 | +41.1% |
| Proceeds From Life Insurance Policies | 2,479 | 1,823 | +36.0% |
| Proceeds From Sale Of Property Plant And Equipment | 960 | 25 | +3740.0% |
| Capital Expenditures | -146,652 | -127,776 | -14.8% |
| Proceeds From Sale Of Foreclosed Assets | 15,840 | 2,607 | +507.6% |
| Net Cash from Investing | -1,601,095 | -180,879 | -785.2% |
Show Consolidated Entities breakouts |
|||
| Parent Company | -500 | — | — |
| Financing Activities | |||
| Increase Decrease In Deposits | 195,116 | 802,180 | -75.7% |
| Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net | 179,714 | 223,528 | -19.6% |
| Proceeds From Stock Options Exercised | 11,946 | 22,643 | -47.2% |
Show Consolidated Entities breakouts |
|||
| Parent Company | 11,946 | 22,643 | -47.2% |
| Share Repurchases | -157,832 | -60,901 | -159.2% |
Show Consolidated Entities breakouts |
|||
| Parent Company | -157,832 | -60,901 | -159.2% |
| Payments Of Dividends Preferred Stock And Preference Stock | -6,675 | -6,675 | 0.0% |
Show Consolidated Entities breakouts |
|||
| Parent Company | -6,675 | -6,675 | 0.0% |
| Payments Of Dividends Common Stock | -255,356 | -242,446 | -5.3% |
Show Consolidated Entities breakouts |
|||
| Parent Company | -255,356 | -242,446 | -5.3% |
| Net Cash from Financing | -33,087 | 738,329 | -104.5% |
Show Consolidated Entities breakouts |
|||
| Parent Company | -384,182 | -268,550 | -43.1% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | -1,360,203 | 1,546,982 | -187.9% |
Show Consolidated Entities breakouts |
|||
| Parent Company | -33,358 | -16,013 | -108.3% |
Values in thousands USD. Source: SEC EDGAR 10-K filing.